Sell your body
Aside from selling stuff you don’t want any more, you can also be paid for participating in a medical trial and, in some countries, for donations of blood plasma. Check out drug companies for medical center for advice.
Be a reader
If you’re a student, take advantage of your education to make a little extra cash. Offer tutorial services on your subject or on how to get a place in higher education, or proofread and edit essays and CVs (resume).
Search the attic
Take a good look through you and your family’s attic and basement for any treasures that could be sold. Your aunt’s collection of Elvis t-shirts or your dad’s old vinyl collection could turn out to bring in quite a lot of cash if you sell it over the internet (just ask them first).
Be an expert
If you have a skill or are educated to a high level in something (think everything from French, mathematics and computer skills to plumbing, astrology and music) offer your services as a private tutor. It’s a great way to make money doing something you enjoy.
The perks of the job
It’s worth looking at the most expensive things in your life, and things you don’t want to compromise on, and seeing if there’s a way to get a discount. Working in a restaurant or fast-food outlet, for example, should give you free food or a job in a clothing store will get you a discount.
Work on web
If you know about a subject, or have a group of friends you could do it with set up a website. You can do it for very little cost on your home computer and if you score hits you could make some money out of Ad sense or other advertising packages.
Write up reviews
If you have skills as a writer, you can sign up spas and beauty products for local news papers and magazines or online websites. Not only will you get the experience for free, but you’ll get a small sum for your review or article too.
Strike a pose
If you are interested in fine art, you may be able to model for a life-study art class. For nude modeling you will be expected to remain fairly motionless except for moving poses, and instructors often prefer poses in which the body is being exerted for a more dynamically interesting subject. Many educational institutes hire ort students, but always choose a reputable organization.
Rent out your home
Film, television and advertising scouts are always on the lookout for locations for shooting. Your home doesn’t have to be perfect-it might be just the ordinary interior they are looking for, or you might have desirable outdoor space. Using the interior as a location is usually more profitable than if you just the external view is used. There are a number of online agencies that will list your property for free (only taking commission once, your property is chosen for a short.
Always avoid any that charge a fee upfront.
1001 Little ways to spend less & live well by Esme Floyd
Monday, July 27, 2009
Tips on accidents
•Don’t just drive away from an accident even a minor fender bender; wait for a police officer to write a report.
•Exchange information with the other driver. Get the names and telephone numbers of as many witnesses as you can.
•As soon as possible after the accident, report it to your insurance company, even if you don’t plan to make a claim. If you believe the other driver was at fault, contact his or her insurance company also.
•If there’s dispute about who’s at fault, file the claim with your own company. The two companies will fight it out later over the amount each will pay.
•If your vehicle is going to require some repair, ask for a rental car or reimbursement for a rental car. Insist upon a vehicle that is similar to your vehicle.
•Don’t agree to release the body shop or the insurer from final responsibility until you’re comfortable that the repairs and complete and that the vehicle operates properly.
•If you agree to take your car to an insured’s preferred body shop, insist that the insurer provide a lifetime guarantee on the repairs.
•To ensure collision work was done correctly, consider hiring an independent company to evaluate the repair.
•If your vehicle is totaled don’t accept your insurance company’s first settlement offer. Check www.edmunds.com or look at a used-car price guide to se what your car was worth.
•If you have a five-year lease or loan and owe more that the car is worth, ask for “substitution of vehicle,” in which the loan or lease remains in force and the insurer finds you a similar vehicle as a replacement.
•Exchange information with the other driver. Get the names and telephone numbers of as many witnesses as you can.
•As soon as possible after the accident, report it to your insurance company, even if you don’t plan to make a claim. If you believe the other driver was at fault, contact his or her insurance company also.
•If there’s dispute about who’s at fault, file the claim with your own company. The two companies will fight it out later over the amount each will pay.
•If your vehicle is going to require some repair, ask for a rental car or reimbursement for a rental car. Insist upon a vehicle that is similar to your vehicle.
•Don’t agree to release the body shop or the insurer from final responsibility until you’re comfortable that the repairs and complete and that the vehicle operates properly.
•If you agree to take your car to an insured’s preferred body shop, insist that the insurer provide a lifetime guarantee on the repairs.
•To ensure collision work was done correctly, consider hiring an independent company to evaluate the repair.
•If your vehicle is totaled don’t accept your insurance company’s first settlement offer. Check www.edmunds.com or look at a used-car price guide to se what your car was worth.
•If you have a five-year lease or loan and owe more that the car is worth, ask for “substitution of vehicle,” in which the loan or lease remains in force and the insurer finds you a similar vehicle as a replacement.
Sunday, July 26, 2009
International Studies
-Advanced International Studies a-t the Capital of Europe
www.kent.ac.uk/brussels
University of Kent-Brussels School of International Studies
Fulbright Scholar Program Dead line Approaching: August 1, 2009
www.cies.org CIES = Council for International Exchange of Scholars
The Fulbright Program, sponsored by the US Department of State's Bureau of Educational and Cultural Affairs, is the US government's flag ship international exchange program and is supported by the people of the US and partner countries around the world. For more information, visit
www.fulbright.state.gov
www.kent.ac.uk/brussels
University of Kent-Brussels School of International Studies
Fulbright Scholar Program Dead line Approaching: August 1, 2009
www.cies.org CIES = Council for International Exchange of Scholars
The Fulbright Program, sponsored by the US Department of State's Bureau of Educational and Cultural Affairs, is the US government's flag ship international exchange program and is supported by the people of the US and partner countries around the world. For more information, visit
www.fulbright.state.gov
Tips on Being a Tenant
•Before you write a check for an application fee or a deposit on an apartment, ask about the length of the lease, the amount of rent, and the amount of deposit.
•Make sure the lease specifies that water service is included, or that it is billed at the prevailing rate in the community.
•Never sign an apartment lease on the spot. Take it home with you and read it. If you don't understand something, put a question mark next to the item and get an explanation.
•If you pay a deposit or an application fee for an apartment and decide not to rent the apartment, you probably will lose the money.
•Always add a clause to an apartment lease giving you the right to terminate the contract before its normal expiration if your circumstances change.
•Many leases renew automatically unless you notify the landlord that you are leaving.
•Make sure to be present for the move-in inspection, and note everything you can find wrong with the apartment. Be present for the move-out inspection, too.
•If a landlord doesn’t give you back a security deposit, you have the right to sue in a small claims court.
•Renting from a private owner is fine, but be aware of the danger of not being able to renew your lease, or of the owner being foreclosed upon.
•If your landlord fails to respond to maintenance requests, send written requests. If a landlord doesn’t respond to a break down that makes the apartment unlivable, consider paying for the repair yourself and deducting the amount from your next month’s rent.
•If you know you’re going to be evicted try to make some arrangements to move your possessions, either to a friend’s house or into storage.
Internet: www.nolo.com
•Make sure the lease specifies that water service is included, or that it is billed at the prevailing rate in the community.
•Never sign an apartment lease on the spot. Take it home with you and read it. If you don't understand something, put a question mark next to the item and get an explanation.
•If you pay a deposit or an application fee for an apartment and decide not to rent the apartment, you probably will lose the money.
•Always add a clause to an apartment lease giving you the right to terminate the contract before its normal expiration if your circumstances change.
•Many leases renew automatically unless you notify the landlord that you are leaving.
•Make sure to be present for the move-in inspection, and note everything you can find wrong with the apartment. Be present for the move-out inspection, too.
•If a landlord doesn’t give you back a security deposit, you have the right to sue in a small claims court.
•Renting from a private owner is fine, but be aware of the danger of not being able to renew your lease, or of the owner being foreclosed upon.
•If your landlord fails to respond to maintenance requests, send written requests. If a landlord doesn’t respond to a break down that makes the apartment unlivable, consider paying for the repair yourself and deducting the amount from your next month’s rent.
•If you know you’re going to be evicted try to make some arrangements to move your possessions, either to a friend’s house or into storage.
Internet: www.nolo.com
Friday, July 24, 2009
11 website the money pros turn to when they need answers
-Check out your credit score free: www.creditkarma.com
-See if you're eligible to join a credit union: www.CULookUp.com
-Find the best credit card for you, based on your particular credit situation:
www.indexcreditcards.com and www.lowcards.com
-Get a grip on your finances with free money tracking and budgeting tools:
www.quickenonline.com www.mint.com
-Get quotes for auto(www.insweb.com) and life(www.accuquote.com) insurance, or find an independent agent(www.iiaba.net)
-Find out if COBRA is your best health coverage choice if you lose your job:
www.cobraoptions.info
-Check on Insurers' complaint ratios: www.naic.org(click on "Consumer Information Source")
-Are you over-or under-withholding on your income tax? Go to www.paycheckcity.com
-Look up expenses on the funds in your retirement plan: Visit www.moningstar.com and click on "Tools"; under "Portfolio Tools," click "Instant X-Ray"
-Can you afford to retire, say, yes, yesterday? Find out at www.firecalc.com
-Play "what if" with an impressive array of financial calculators: www.dinkytown.net
-See if you're eligible to join a credit union: www.CULookUp.com
-Find the best credit card for you, based on your particular credit situation:
www.indexcreditcards.com and www.lowcards.com
-Get a grip on your finances with free money tracking and budgeting tools:
www.quickenonline.com www.mint.com
-Get quotes for auto(www.insweb.com) and life(www.accuquote.com) insurance, or find an independent agent(www.iiaba.net)
-Find out if COBRA is your best health coverage choice if you lose your job:
www.cobraoptions.info
-Check on Insurers' complaint ratios: www.naic.org(click on "Consumer Information Source")
-Are you over-or under-withholding on your income tax? Go to www.paycheckcity.com
-Look up expenses on the funds in your retirement plan: Visit www.moningstar.com and click on "Tools"; under "Portfolio Tools," click "Instant X-Ray"
-Can you afford to retire, say, yes, yesterday? Find out at www.firecalc.com
-Play "what if" with an impressive array of financial calculators: www.dinkytown.net
The best way to recycle it
Big Electronics
Two Words: Best Buy. They'll take TV's, computers, DVD players and the like, and recycle most of them for free. It's simple-just show up with your junk. The only catch? It'll cost $10 to recycle certain monitors, TVs and laptops.
Good news. You get a $10 gift certificate toward your next Best Buy purchase. Find our more at www.bestbuy.com/recycling
Two Words: Best Buy. They'll take TV's, computers, DVD players and the like, and recycle most of them for free. It's simple-just show up with your junk. The only catch? It'll cost $10 to recycle certain monitors, TVs and laptops.
Good news. You get a $10 gift certificate toward your next Best Buy purchase. Find our more at www.bestbuy.com/recycling
Take 10 minutes
Snack on some grapes.
Recent studies show they may help prevent stomach bacteria that can lead to nasties like peptic ulcers. The antioxidant-rich fruit-try to choose red over green-can also help lower blood pressure and reduce heart damage. (Sadly, the same effects aren't true of grape-flavored soda.)
Recent studies show they may help prevent stomach bacteria that can lead to nasties like peptic ulcers. The antioxidant-rich fruit-try to choose red over green-can also help lower blood pressure and reduce heart damage. (Sadly, the same effects aren't true of grape-flavored soda.)
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